Will Texas Home Insurance Cover Roof Repair or Replacement Costs?

At Fortbend Roofing Texas, one of our key assessments is determining whether homeowners should involve their insurance in their roof repair decisions. Each case is unique, and different insurance carriers have varying processes for handling claims.

When we arrive for an inspection, our professional roofer begins with an initial assessment of the home's exterior. This includes inspecting the ground level for any collateral storm damage, such as issues with windows, gutters, or other areas typically evaluated by a licensed adjuster. We document and photograph all findings, providing homeowners with a comprehensive overview upon completion of the initial inspection.

After assessing the ground level, our roofer conducts a detailed multi-point inspection of the roof to identify storm-related damages or determine if a replacement is necessary due to age.

Homeowners should be aware that Texas experiences turbulent weather and significant temperature fluctuations, both of which can affect the condition of your roof. Extreme heat can cause shingles to become brittle, drastically reducing their lifespan.

Our Multi-Point Inspection Process Includes:

1. Soft Metal and Flashing Inspection: We examine dryer vents, HVAC units, and chimneys for potential hail impacts, documenting any findings.
2. Granular Loss Assessment: Using close-up and aerial photography, we check for granular loss and assess the roof's age and overall wear and tear.
3. Shingle Seal Examination: We inspect shingle seals for longevity and structural integrity, looking for signs of wind damage.
4. Fastener Placement Review: We evaluate nailing patterns and fastener placement to ensure proper installation, checking for pulled fasteners, overdriven nails, nail pops, and improper penetrations. Each insurance carrier has its own definitions and policies regarding wind damage.
5. Hail Damage Inspection: We thoroughly inspect for evidence of hail damage on the shingle surface, looking for bruising, heat blisters, tree rub, and other wear that could influence an insurance adjuster's evaluation.

It is essential for our team at Fortbend Roofing Texas to provide homeowners with honest assessments regarding their potential claims. We recognize that every situation is different, and a common pitfall in the industry is roofers who overpromise and underdeliver during inspections. 

Our commitment is to provide an honest evaluation based on the specific circumstances surrounding each homeowner's roof.